Use our calculators to get an idea of how much you could borrow and what your repayments would look like.
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Home loans
Whether you’re buying your first home, next home or an investment property, we’ve got a range of fixed and variable rate home loans to help you get there.
Our home loans
Understand the difference between loan purposes (a property to live in vs. an investment)
Bankwest Simple Home Loan
Variable Rate Home Loan
Get started with a smaller deposit and save on fees along the way.
- Borrow up to 98% (including Lenders Mortgage Insurance) of the property value
- Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
- Make extra repayments or redraw at no extra cost
- 100% offset facility available with a $10 monthly fee 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.34%
p.a.
Variable rate
6.37%
p.a.
Comparison rate
For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
Complete Variable Home Loan Package
A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 100% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
?
If you decide to pay interest only, only monthly repayments are permitted.
6.99%
p.a.
Variable rate
7.37%
p.a.
Comparison rate
For borrowings up to 90% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+. Various tiers apply.
For principal and interest repayments
?
Understand the comparison rate
Complete Fixed Home Loan Package
A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 40% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- Choose to make weekly, fortnightly or monthly repayments
?
If you decide to pay interest only, only monthly repayments are permitted.
5.89%
p.a.
3 year fixed rate
7.05%
p.a.
Comparison rate
For borrowings up to 80% of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
Fixed Rate Home Loan
For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.
- Save $400 on the application fee (other fees and charges may apply)
- Fix from one to five years
- 40% offset facility available
2
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
6.09%
p.a.
3 year fixed rate
8.20%
p.a.
Comparison rate
For borrowings up to 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
Bankwest Simple Home Loan
Variable Rate Home Loan
Get started with a smaller deposit and save on fees along the way.
- Borrow up to 95% (including Lenders Mortgage Insurance) of the property value
- Save with no application fee (usually $695) and no annual fee (other fees and charges may apply)
- Make extra repayments or redraw at no extra cost
- 100% offset facility available with a $10 monthly fee per offset account 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.49%
p.a.
Variable rate
6.52%
p.a.
Comparison rate
For borrowings from 60.01% - 80% of the property value.
For principal and interest repayments
?
Understand the comparison rate
Complete Variable Home Loan Package
A variable home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 100% offset accounts available 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd
3
If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.
7.89%
p.a.
Variable rate
8.26%
p.a.
Comparison rate
For borrowings up to 95% (including Lenders Mortgage Insurance) of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
Complete Fixed Home Loan Package
A fixed home loan, plus the flexibility to add on other good stuff – like multiple offset accounts and an eligible credit card.
- $395 annual fee
- No application fee (other fees and charges may apply)
- Multiple 40% offset accounts available
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
- For investment properties, receive a saving on the cost of a depreciation schedule prepared by DEPPRO Pty Ltd
3
If you take out a Bankwest home loan for investment purposes, you will be contacted by DEPPRO Pty Ltd. Bankwest does not endorse or approve the depreciation schedule prepared by DEPPRO Pty Ltd.
6.19%
p.a.
3 year fixed rate
7.76%
p.a.
Comparison rate
For borrowings up to 90% of the property value and loan sizes of $200,000+.
For principal and interest repayments
?
Understand the comparison rate
Fixed Rate Home Loan
For those who want the certainty of regular repayments, the Fixed Rate Home Loan lets you lock in your interest rate for one to five years.
- Save $400 on the application fee (other fees and charges may apply)
- Fix from one to five years
- 40% offset facility available
2
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
6.39%
p.a.
3 year fixed rate
8.72%
p.a.
Comparison rate
For borrowings up to 90% of the property value.
For principal and interest repayments
?
Understand the comparison rate
Dedicated lending specialists
We're available seven days a week, including evenings.
Save on home loan interest
You could pay your home loan off faster with up to nine offset accounts. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
Easy applications
Track the progress of your home loan application and sign important documents digitally from anywhere.
Award-winning
MFAA ‘Non-Major Lender of the Year’ for seven years running, Australian Mortgage Awards ‘Bank of the Year’ twice, and Mortgage Business Non-Major Bank of the Year 2024.
